Sandpiper Plan, Sandy OaksElbertaAL36530
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Elberta rental at Sandpiper Plan, Sandy Oaks, Elberta, AL, 36530 sits in the solid-income band: 9.64% gross yield, $2,981/mo rent, $887/mo net after the $1,668/mo debt service, DSCR 1.79. Entry price of $370,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $102,498 and $3,417/yr in principal reduction bring total cumulative return to $196,883.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 8.0% |
| Monthly Cash Flow | $887 | $400 |
City averages based on Elberta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,981 |
| Total Monthly Debt Service | $1,946 |
| DSCR Ratio | 1.53x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36530, Elberta, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 2,894 (63.2%) |
| Renter Occupied HU | 835 (18.2%) |
| Vacant Housing Units | 852 (18.6%) |
| Median Home Value | $286,771 |
| Average Home Value | $387,855 |
Housing Distribution
Address Breakdown
Residential
4,202
Single Family
4,202
Multi-Family
0
Businesses
154
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
